HANOI, Oct. 30 (Xinhua) -- The digital transaction rate at many commercial banks in Vietnam has reached 97-98 percent, Vietnam News Agency reported on Wednesday, citing the State Bank of Vietnam.
Pham Tien Dung, the bank's deputy governor, said that from Oct. 1, banks have allowed account openings using chip-enabled citizen ID cards and fully implemented online lending and guarantees. This legal foundation is crucial for the technological integration of the banking sector.
Nguyen Quoc Hung, vice chairman and general secretary of the Vietnam Banks Association, said some banks were now conducting over 95 percent of transactions through digital channels. More than 87 percent of adults in Vietnam hold payment accounts.
The sector's digital transformation is being driven by technologies such as big data, artificial intelligence, machine learning, augmented reality, and open banking platforms, he said.
The country's credit institution system has amassed around 200 million customer records, including 46.7 million biometric-verified accounts, he said. ■
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